My primary focus is working with retirees or those approaching retirement.  I help these clients determine if they have enough money saved for retirement, determine when best to claim Social Security benefits, and help them transition from earning a paycheck to living off retirement savings.  We can either manage retirement and brokerage accounts directly or recommend a liquidation strategy clients manage on their own.

I also work with younger clients that are starting financial plans, local small business owners, and government employees enrolled in the Arizona State Retirement System.  Planning for these clients focuses on both current and future goals, investment management, and tax strategies that minimize expenses.  Financial plans can be tailored to a variety of unique circumstances.

Investment management is individually focused on your goals, comfort with market risk, and the investment time horizon.  Portfolios are primarily constructed using low cost, diversified exchange traded funds.  Actively managed mutual funds can be used to further diversify a portfolio and reduce investment risk.  Individual stocks or bonds, REITs, and UITs can be used on a discretionary basis to provide value above your investment benchmark.

certified financial planner retirement in phoenix arizona

Independent Fiduciary

downtown phoenix

A fiduciary is required to put their client's needs ahead of their own.  Not all financial professionals can claim to be a fiduciary.  Banks, insurance companies, and investment firms that claim to act as fiduciaries do so in a limited capacity.  Working with CFP Professional that is a local Registered Investment Advisor is the best way to safeguard your fiancial future.

Socially Responsible

Arizona

Environmental, social and corporate governance (ESG) funds allow you to invest your money into causes you believe in.  Socially responsible investing (SRI), also known as sustainable, socially conscious, green, or ethical investing, is shaping the future.  I build custom investment strategies that consider both financial returns as well as the social causes clients request.

Fee Only Advisor

downtown phoenix

Traditionally, financial advisors were paid a commission each time clients bought an investment.  There is an inherent conflict of interest with working that way.  In order to provide objective advice, I work under a fee only model.  Clients can pay by the hour, project, or retain ongoing services through a percentage of the investment assets managed.

Health Savings Account

By J.K. Roberts, CFP, CRPC | Jun 28, 2017

A Health Savings Account (HSA) is a tax-exempt trust or custodial account that helps pay medical expenses.  Contributions to HSAs…

Read More

Fiduciary Rule

By J.K. Roberts, CFP, CRPC | Jun 27, 2017

Fiduciary Standard A fiduciary is a person or organization that is bound both legally and ethically to act in your…

Read More

Socially Responsible Investments

By J.K. Roberts, CFP, CRPC | Jun 14, 2017

When you invest, you’re voting with your money.  Despite what happens in Washington D.C., you can always make a difference.…

Read More

Presidential Impeachment: Impact on the Stock Market

By J.K. Roberts, CFP, CRPC | May 15, 2017

How would the stock market react to President Trump’s impeachment?  Politics is a passionate subject for many, but most would…

Read More

The Affordable Care Act

By J.K. Roberts, CFP, CRPC | May 4, 2017

A client I worked with in the past earned over $300,000. The tax going to Obamacare was $1,801. This was on the over one hundred thousand in capital…

Read More

Insuring Your Financial Plan

By J.K. Roberts, CFP, CRPC | May 2, 2017

Insurance is a key component of any financial plan.  When it comes to investing for the future, most people think…

Read More

Small Business Tax Deductions

By J.K. Roberts, CFP, CRPC | Apr 3, 2017

The tax structure of many small businesses allows the owner to deduct certain expenses.  This helps reduce their personal tax…

Read More

Investment Professional Guide

By J.K. Roberts, CFP, CRPC | Mar 31, 2017

  Investment Professional Guide As an investor, understanding your needs is an important part of determining what kind of investment professional…

Read More

Important Tax Filing Deadlines

By J.K. Roberts, CFP, CRPC | Mar 24, 2017

Important tax filing deadlines for 2017 are listed below.  As always, consult with your tax advisor if you have additional…

Read More

Reporting a Retirement Rollover

By J.K. Roberts, CFP, CRPC | Mar 19, 2017

You’ll have many jobs, but only one retirement.  You’ll also have many 401(k) plans, but you only need one retirement…

Read More

Employee Stock Purchase Plans

By J.K. Roberts, CFP, CRPC | Mar 17, 2017

Employee Stock Purchase Plans (ESPP) are a great incentive for companies that want to promote ownership to employees.  This widely…

Read More

Partnership tax filing is now March 15th

By J.K. Roberts, CFP, CRPC | Mar 9, 2017

If you file as a partnership or multi-member LLC, there is a new 2016 tax filing deadline.  Last year, partnerships had…

Read More

2017 Market Outlook

By J.K. Roberts, CFP, CRPC | Jan 19, 2017

This year will see many changes.  Last year’s election will have a large impact on the economy going forward.  Some…

Read More

Tax Forms

By J.K. Roberts, CFP, CRPC | Jan 18, 2017

These links will let you download the Internal Revenue Service and the State of Arizona Department of Revenue’s most frequently requested…

Read More

Financial Resolutions

By J.K. Roberts, CFP, CRPC | Jan 17, 2017

New year, new you?  Another year of new resolutions, but is financial security one of them?  Setting tough goals is…

Read More
  • Loading stock data...

Next Steps...

Contact us for a free one hour consultation.  We'll discuss what services we offer, explain the philosophy followed, and help you understand the costs associated with investing.